On February 9, 2012, government officials announced a settlement with several major mortgage lenders over questionable foreclosure practices. Borrowers eligible for relief will receive a letter later this year. Learn more at nationalmortgagesettlement.com.

If you are have trouble making your mortgage payment, contact your loan servicer and consider seeking help from a reputable counseling agency as soon as possible to discuss your options. Also, be on guard against criminals charging upfront fees and falsely “guaranteeing” to rescue a home from foreclosure under the government settlement or any other situation. For more guidance, see tips from the FDIC at www.fdic.gov/consumers/loans/prevention/toolkit.html.